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Anthem Data Breach

I want to let you know that we have just become aware that Anthem, Inc., the parent company of Anthem Blue Cross, is the victim of a highly-sophisticated cyber attack. Anthem has informed us that its member data was accessed, and information about our clients could be among the data.
We are working closely with Anthem to better understand the impact on its members. Here is what we do know:

• Once Anthem determined it was the victim of a sophisticated cyber attack, it immediately notified federal law enforcement officials and shared the indicators of compromise with the HITRUST C3 (Cyber Threat Intelligence and Incident Coordination Center).
• Anthem’s Information Security has worked to eliminate any further vulnerability and continues to secure all of its data.
• Anthem immediately began a forensic Information Technology (IT) investigation to determine the number of impacted consumers and to identify the type of information accessed. The investigation is still taking place.
• The information accessed includes member names, member health ID numbers/Social Security numbers, dates of birth, addresses, phone numbers, email addresses and employment information, including income data. Social Security numbers were included in only a subset of the universe of consumers that were impacted.
• Anthem is still working to determine which members’ Social Security numbers were accessed.
• Anthem’s investigation to date shows that no credit card or confidential health information was accessed.
• Anthem has advised us there is no indication at this time that any of our clients’ personal information has been misused.
• All impacted Anthem members will be enrolled in identity repair services. In addition, impacted members will be provided information on how to enroll in free credit monitoring.

We are continuing to work closely with Anthem to better understand the cyber attack and the impact on our clients. Anthem has created a website – www.anthemfacts.com, and a hotline, 1-877-263-7995, for its members to call for more information, and has shared the attached Frequently Asked Questions (FAQs) that further explains the cyber attack.
We will continue to keep you updated on Anthem’s ongoing investigation in hopes to find out who committed the attack, and why.
Please feel free to contact me if you have any questions.

Thank you,
Jennifer Crosby
661-327-5531

Health Insurance, Insurance Know How, News and Press

Obamacare Update: Employer Mandate Delayed

Only 176 Days until the Affordable Care Act health insurance plans (often referred to as Obamacare) are available.  With the constant updates and changes going on we are going to try our best to keep you updated on what this all means and most importantly how it is going to affect you.  One of the most recent changes to the mandate is the extension of the employer penalty from 2014 to 2015.  This extension gives the business owners, employees, health insurance carriers, and government one more year to iron out the details of the mandates and how they will implement them.  Here is a notice from Anthem Blue Cross on this extension:

Employer mandate delayed

July 3, 2013

On July 2, 2014, the Obama administration delayed part of the Affordable Care Act (ACA or health care reform law) that affects employers. The parts of the law listed below will now go into effect in 2015 instead of 2014:

1.        Employers will not have to report certain information to the IRS. This has been referred to as “employer reporting requirements.” We are waiting for the IRS to give details on what requirements this includes.

2.        The rule that says large employers have to offer coverage to full-time workers or pay a penalty. “Large employer” in this case is a business that has 50 or more full-time or full-time equivalent employees (that work an average of 30 hours a week).

3.        The rule that says coverage offered by large employers cannot be more than 9.5% of a worker’s pay for self-only coverage.

The delay notice changes the employer mandate part of the law only. The individual mandate and other parts of the law are unchanged. We are evaluating the impact and waiting for more information. The IRS has said it will release more details about the delay soon. We will share more information as soon as possible.

This article applies to:

  • California, Wisconsin, Virginia, Ohio, New York, Nevada, New Hampshire, Missouri, Maine, Kentucky, Indiana, Georgia, Connecticut,  and Colorado
  • Small Group, Large Group,  and ANA Consultant

We will continue to update you as we receive updates from our carriers and the administration.  If you have any questions or would like to speak to us about health insurance please call our office at 661-327-5531, email Jennifer Crosby at jenni@crosbyandcrosby.com, or stop by our office at 111 H Street.

Auto Insurance

Anthem California Health Insurance Rate Adjustments

Anthem Blue Cross News Flash: Anthem has reached an agreement with the California Department of Insurance (CDI) to reduce our Individual premium increase that was implemented beginning on Feb. 1, 2013 and impacted approximately 636,000 Individual members.

Anthem Blue Cross Life and Health Insurance Company (Anthem) originally filed for an average 17.9 percent increase, and after negotiations with the Department of Insurance, agreed to change the increase to an average 13.9 percent increase. As a result of the revised rates, the majority of your Individual clients will receive a lower rate than previously communicated.
Anthem will lower the premium for these Individual market products and will allow policyholders who switched to a lower cost product to switch back to their former product. The members who dropped coverage because of the rate increase can reinstate in the product they recently dropped without going through medical underwriting.

If you have any questions regarding your personal health insurance or group health policy with Anthem Blue Cross please contact us at Crosby & Crosby Insurance Services, 661-327-5531.